| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | PREMERA BLUE CROSS | — | $4K | $4K | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC-YAKIMA | 1430 NORTH 6TH AVENUE BUILDING H YAKIMA, WA 98902 | PREMERA BLUE CROSS | — | $1K | $1K | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 501 NORTH RIVERPOINT BOULEVARD SUITE 403 SPOKANE, WA 99202 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $25 | $14K | 6.82% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | P.O. BOX 34315 M/S 320 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | P.O. BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.19% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | P.O. BOX 34315 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | — | $204 | $204 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | VISION SERVICE PLAN | $880 | — | $880 | 5.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 144 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $209K |
| Vision | VISION SERVICE PLAN | 145 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $209K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $209K |
| Prescription drug | PREMERA BLUE CROSS | 144 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.